Skip To Content

Google Pay™

Google Pay is a fast and secure way to pay on sites, in apps, and in stores. Simply add your debit card, and go.

Add a card to Google Pay

Adding a debit card on your smartphone

  1. Download Google Pay from the Google Play Store.
  2. Open the Google Pay app.
  3. Tap the (+) sign.
  4. Follow the on-screen instructions to add your debit card
     

Adding a debit card on your wearable

  1. Open Google Pay on the watch.
  2. Tap (+) to choose from cards on your phone.
  3. Follow the on-screen prompts to complete setup.
  4. Google Pay is compatible with most modern Android devices with Android Lollipop 5.0 or above. This includes mobile phones, tablets, and wearables.

Looking to add your Collabria® credit card? Visit our partner site:

 

Paying with Google Pay 

With your smartphone

  1. Wake up your device.
  2. If prompted, authenticate using the method you have setup for your device (i.e. password, fingerprint, pattern, etc.).
  3. Hold your phone over the terminal until you see a blue check mark on the screen.
     

With your wearable

  1. On your watch, open the Google Wallet app.
  2. If prompted, authenticate using the method you have setup for your device.
  3. Hold your watch over the contactless payment terminal until you hear a sound or feel vibration from your watch.
     

In-app or online

You can also pay on the web or in-apps at online retailers that accept Interac Debit® for Google Pay.

View the full terms and conditions.

Everyday purchases made easy

Simply add your debit or credit card to your mobile wallet and pay with your phone.

Explore our mobile wallet products

Google Wallet and Google Pay debit card FAQs

Where can I use Google Pay?

Google Pay is available wherever Interac® Flash is accepted. Just look for the contactless symbol at the checkout. Some stores may also display the Google Pay logo. Pay online and in-app wherever the Buy with Google Pay button is displayed.

Google Pay logo

What devices support Google Pay?
Google Pay is compatible with most modern Android devices with Android Lollipop 5.0 or above across multiple manufacturers (including Huawei, Samsung and Blackberry). To make in-store payments, your phone also needs to support NFC (Near Field Communication). To check for NFC, look for it in your phone's Settings app. You can make in-app payments even if your phone does not have NFC.
Can I use my Android Watch with Google Pay?
Yes, you can add a card to Google Wallet on your Google watch as well as other Wear OS devices paired with a phone; such as Huawei Watch 2, LG Watch Sport, and LG Watch Urbane 2.
Does my card need to be Flash enabled to use it on Google Pay?
No, you do not need a flash-enabled card to use Google Pay.
How many cards can I add to the Google Wallet?
You can add multiple payment cards and loyalty cards to Google Wallet.
Are there reasons why my Android device would be excluded from Google Wallet?
Devices that have been jailbroken or otherwise tampered with are not eligible for use with Google Wallet. The device's operating system must also be kept up to date.
Which account should I use for Google Pay?
Google Pay will use the primary chequing account associated with your debit card. If there is no chequing account attached, it will access the primary savings account.
What else do I need to do to set myself up?
You are required to securely identify yourself to add your debit card to Google Wallet. After adding your debit card to Google Wallet, you will be presented options to verify your identity by calling the Member Contact Centre or by entering a one-time passcode delivered to you via email or SMS message if you have an eligible email or cell phone number on file with SCU. These verification steps are designed to protect you against fraud. Once verification has been completed, you may use your debit card to make purchases with Google Pay.
Can I add a second account or card to Google Wallet?
Yes. You can add multiple cards to Google Wallet, you can also add an unlimited number of loyalty cards.
How many devices can I add my card to?
There is no maximum number of devices to which you can add your debit card for Google Pay. However, you are responsible for verifying the validity of the debit card on each device, and for any charges made with the card to your account.
Is additional information being captured about me when I use Google Pay?
Google does not collect and store details on Google Pay financial transactions. To learn how Google protects your personal information, transaction data, and payment information when you use Google Pay, visit their website.
What are the Terms and Conditions of using my debit card in Google Pay?
Google Pay is governed in accordance with the Terms and Conditions that you accepted when adding your card to Google Pay.
When do I need to authenticate (i.e. password, fingerprint, pattern, etc.) a payment transaction?
Any payment transaction under $100.00 does not require authentication. You simply need to "wake" the device and hold phone over the terminal for payment.

In order for any payment transaction over $100.00 to be completed, authentication (i.e. password, pattern, fingerprint, etc.) will be required, and the device must have been unlocked with the last three minutes for POS (point of sales) or 10 minutes for in-app transactions.
Am I subject to a daily spending limit?
Yes. SCU will continue to monitor your total spending across the payment services that access your account, including your debit card at retail locations, banking machines and now Google Pay. There is no maximum value for Google Pay purchases but the amounts are included in your existing daily spending limits set in the banking system
Is there a cost to using Google Pay?
No, there is no additional fee for using Google Pay but each Google Pay transaction will count as a debit transaction. Please contact SCU at 1.800.728.6440 any time to discuss the right account package for you.
How do I know when a purchase is complete?
Google Pay transactions will show a blue checkmark when the transaction is processed.
Where can I pay with Google Pay?
Google Pay using your debit card works wherever Interac Flash is accepted. Just look for the Interac Flash logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo.

Tap, Google Pay and Interac Flash icons
Will I have to sign a receipt or enter a PIN at the POS terminal when paying with Google Pay?
No. Google Pay purchases are authenticated on your device.
How do I view recent Google Pay transactions?
To view your most recent Google Pay transactions, simply tap on your debit card and scroll down to view your card transaction details.

Please note, if using Google Pay on more than one device that each device is assigned a device account number. When reviewing transactions, your device will show only transactions completed with its unique device account number. This device account number is different from your physical card number, and helps us to manage situations when a device is lost, stolen or upgraded.

For a full transaction history, please review your account history in online or mobile banking or on your account statement.
Will I receive a notification on my phone for a declined transaction?
Yes, you will receive notifications for both declined and approved transactions.
Why does the transaction history on my Android phone not include all Google Pay transactions?
Each device is assigned a device account number and shows only transactions completed with its device account number. The device account number is different from your physical card number. This security feature helps us to manage situations when a device is lost, stolen or upgraded. For a full transaction history, please review your account history in online or mobile banking or on your account statement.
Is there a maximum dollar amount for a purchase?
No, there is no maximum value for Google Pay transactions. However to make purchases in stores you will need to authenticate for payments of $100 or more, as well as when cumulative unauthenticated payments reach $200.
How do I remove a card from Google Wallet?

To remove a card on your smartphone:

  1. Open the Google Wallet app.
  2. At the bottom, tap Payment, then select card.
  3. To delete the card, in the top right tap More, then tap the Remove payment method.

To remove a card on your wearable:

  1. On your watch, open the Google Wallet app.
  2. Scroll to the card you want to remove and then tap it.
  3. From the bottom, swipe up on More.
  4. ​Then tap Remove.
My device was lost or was stolen and I want to delete my card. What do I do?
If your device has been lost or stolen, call us immediately at 1.800.728.6440 so that we may deactivate your debit card with Google Pay. Should you find their device, you will need to set up Google Pay again.
Will removing my debit card from Google Pay deactivate my plastic card?
No, removing your debit card from Google Pay will not affect your plastic card.
How do I complete a refund?

Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Google Pay. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last four digits of your card number. The digital card number is created from your debit card and is used for all of the payments made through Google Pay with the device. The digital card number is located under the Card Details (see below). Successful refunds will be processed immediately to your account.
Google Pay Virtual Account Number, located under Card Details in the Google Pay app

What should I do if Google Pay is not working with a POS terminal?
Google Pay should work at all terminals that accept Interac Flash. Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or reposition your phone near the POS terminal. Because POS terminals may be slightly different, you may find that this experience varies from terminal to terminal. If you are having difficulties, ask the retailer if they accept Interac Debit on Google Pay.
Do I need network access to make a purchase?
No. Your Google device (powered and unlocked) has everything you need to complete a purchase at a retailer, even without network access. As with card purchases, you may not complete a purchase if the POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Google.
Will the case on my phone interfere with making purchases?
Google Pay transactions use NFC contactless payment method to communicate with the POS terminal to complete the purchase. A very thick case or cover can block the signal between the phone and the payment terminal. If you are having trouble making payment with Google Pay, you may need to remove the phone’s case to complete a purchase.
What if I upgrade the operating system on my device?
Google Pay should not be affected by updating the operating system.
What if I change my SIM card?
Google Pay should not be affected when you change your SIM card.
What if I lose my device?
If your device is lost or stolen, you can lock and erase it remotely with Find My Device. This will lock or wipe Google Pay as well as your registered cards. You can also contact your credit union immediately if you lose your mobile phone. We will deactivate your debit card within Google Pay.
What if I delete my card and then want to reactivate it?
You can add any cards you previously deleted as normal.
What if I sell or upgrade my device?
Before you sell your device, you must delete your card from Google Wallet. You may optionally contact SCU to ensure that your card has removed from Google Wallet.
What if I get a new debit card?
If you get a new debit card, remove the previous card from Google Wallet and add the new card.
What if I change my default account for Interac Flash purchases? 
If you change your default account for Interac Flash purchases, it will also become your default account for Google Pay.
What if I reset my device?
All payment information in Google Pay will be deleted. You will need to set up and add your payment card information into Google Wallet again after your device has been reset.
What if I receive a “Card Not Added — Contact your issuer” message while adding a card?
Your SCU debit card is closed and therefore cannot be used.
What if I change my lock screen password?
Google Pay should not be affected when you change your lock screen password.
What if I lend my device to someone?
We recommend you remove your card from Google Pay before lending your device. Avoid lending your phone to anyone with whom you do not have a trusted relationship.
What if I am having trouble with Google Pay. Who do I contact?
Still have questions about Google Pay? We’re here to help! Call us at 1.800.728.6440 and we will be happy to answer your questions.

Read the Google Pay Terms & Conditions here.
Are Google Pay transactions secure?
Yes. Google Pay protects your payment info with multiple layers of security, device lock screens, remote device wiping, and tokenized card numbers are security features of Google Pay. Google Pay's tokenization process offers notable security benefits to customers, when a SCU member adds a debit card to their Google Pay app, a token is issued. A token is a unique identification number associated with Google Pay.
What is NFC?
NFC stands for Near Field Communication, which is a contactless proximity technology, the same technology that powers Interac® Flash cards. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.
How do I know if a terminal accepts NFC?
Just look for the Interac® Flash logo or the contactless symbol at checkout to know if a terminal is capable of NFC technology.
How does the technology work?
When you register a card with Google Pay, the card is assigned a device account number. The device account number is different from your physical card number and is unique to your device. Your device account number is used to make purchases with Google Pay.

©2022 Google LLC All rights reserved. Google Pay™ is a trademark of Google LLC.
™Android is a trademark of Google, Inc.

®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 
®Interac, the Interac logo and Interac Flash are trademarks of Interac Corp. Used under licence.

Cookie Consent

We use cookies on our site to improve your experience.